Online Privacy Policy
Privacy Policy
Veritas Funding is committed to respecting and protecting your privacy. Your privacy is very important to us. This Online Privacy Policy discloses what information we gather, how we use it and how we share it with others. It is our intention to give you an understanding of how we collect your information and the use we make of it in the course of our business. This policy covers all of Veritas’ online services, including the Veritas website, mobile apps, and Veritas-branded social media sites or pages, as well as any interactions you may have while viewing content provided through one of Veritas’s digital advertising campaigns.
As you review this Online Privacy Policy, it is important to note a couple items. Our online services are not intended for children under 18. We do not knowingly collect personal information from children under 18 without parental consent.
We generally gather two types of information about Customers:
- personally identifiable data that Customers provide through optional, voluntary use our online services; and
- data we gather through tracking of online services use.
Information We Collect
Why We Collection Information
We may collect personal information about you from the information you provide to us when you fill out an application or other form on our website. We need to know information about you for us to provide you with the mortgage loan products and services you have requested through Veritas Funding’s website.
We use the information you provide to process your request for services, products, or information to facilitate your mortgage loan and improve customer service.
Personally Identifiable Information
When you visit or use our online services, we may collect personal information from or about you such as your name, email address, mailing address, telephone number(s), loan numbers, location information, user name and password. We may also collect social security numbers where we believe it is reasonably required for ordinary business purposes. We use sensitive personal information only for purposes permitted by applicable law, including to process your application, verify your identity, prevent fraud, comply with legal obligations, and provide requested mortgage products or services. We do not use sensitive personal information to infer characteristics about you.
Protecting Your Information
We make use of the Secure Socket Layer (SSL) transaction protocol, largely accepted as an industry standard. The purpose of this encryption protocol is to keep confidential the information passed back and forth between a Web server and its users. We also use 128-Bit Domestic Grade Strong Encryption, a powerful encryption commercially available for Internet products. Most standard browsers including Microsoft, Apple, Google, and Mozilla products make use of this encryption.
We work to protect personally identifiable information stored on servers from unauthorized access using industry standard computer security products, such as firewalls, as well as carefully developed security procedures and practices. In addition, a username, and password are required for you to use, view or change the personally identifiable information you have provided us. We use both internal and external resources to review the adequacy of our security measures on a regular basis.
Other Information
In addition to the personal information described above, we may collect certain information about your use of our online services. For example, we may capture the IP address of the device you use to connect to the online service, the type of operating system and browser you use, and information about the site you came from, the parts of our online service you access, and the site you visit next. We or our third-party partners may also use cookies, web beacons or other technologies to collect and store other information about your visit to, or use of, our online services. In addition, we may later associate the usage and other information we collect online with personal information about you.
Use of Information
We use the information discussed above in a number of ways, including, but not limited to the following: taking and processing your loan application; verifying your identity; responding to your requests and communicating with you; managing your preferences; performing analytics concerning your use of our online services, including your responses to our emails and the pages and advertisements you view; providing you tailored content and marketing messages; complying with and enforcing applicable legal requirements, relevant industry standards, contractual obligations and our policies; and for any other purposes that we may specifically disclosed to you at or before the time we collect the information, and as otherwise permitted or required by applicable law.
We may also use data that we collect on an aggregate or anonymous basis for various business purposes, where permissible under applicable laws and regulations.
We do not sell any personal information to list brokers, mail-order businesses, or telemarketers for money. We also do not knowingly sell or share personal information in a manner that would require an opt-out right under applicable state privacy laws unless we provide you with the required notice and opportunity to opt out. Some use of cookies, pixels, analytics tools, or advertising technologies may be considered a “sale,” “sharing,” or use for targeted advertising under certain state privacy laws. Where required, we provide consumers with the ability to opt out of those activities.
Your information is delivered to loan officers and other mortgage professionals for the purpose of finding you an appropriate solution for your lending needs. We restrict access to the information obtained from our website and webpages to our employees and only those parties needed to process your information, but Veritas Funding reserves the right to share your information with whom we work, including but not limited to, insurance companies, other industry partners of Veritas Funding, title companies, appraisers, and mortgage professionals. This does not apply to text messaging originator opt-in data or consent, which is not shared with any third party under any circumstances.
Disclosure of Information
We may share the information we collect from and about you with Industry partners and other third parties, with the exception of text messaging originator opt-in data and consent, which we do not share with any third party. For example, we may share your information with Veritas third-party service providers; and other third parties to comply with legal requirements such as the demands of applicable subpoenas and court orders; to verify or enforce our terms of use, our other rights, or other applicable policies; to address fraud, security or technical issues; to respond to an emergency; or otherwise to protect the rights, property or security of our customers or third parties. Where appropriate, we will limit sharing of your information in accordance with the choices you have provided us in response to our Consumer Privacy Policy.
Mobile Information and Text Messaging
No mobile information will be shared with third parties or industry partners for marketing or promotional purposes. All of the above categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.
Mobile opt-in data and consent are used solely to deliver the text messages you have requested from Veritas Funding. This information is never sold, rented, or shared with any third party for any purpose. You may opt out of text messages at any time by replying STOP to any message you receive from us.
Cookies and Other Tracking Technologies
We and our service providers may use cookies, pixels, web beacons, analytics tools, and similar technologies to operate our online services, understand how users interact with our website, improve our services, measure advertising effectiveness, and deliver relevant advertising. In some states, certain uses of these technologies may be considered targeted advertising, cross-context behavioral advertising, “sharing,” or a “sale” of personal information. Where required by law, you may opt out of these activities using the privacy choices made available on our website or by enabling a recognized universal opt-out mechanism, such as a browser-based opt-out preference signal, where applicable.
Behavioral Advertising
Online behavioral advertising (OBA) or interest-based advertising refers to the practice of collecting information from a computer or device regarding a visitor’s web-browsing activities across non-affiliated websites over time in order to deliver advertisements that may be of interest to that visitor based on their browsing history. Through OBA, we hope to deliver advertisements that are most likely to be of interest to you using information about your other web-browsing activities (e.g., the web pages you visit, search terms you enter, and the way you move through our online services on your computer or device) or your personal profile (e.g., demographic or location information). Certain companies we work with may set cookies and use related tracking technologies, throughout our online services or in our communications to support these OBA efforts. If you do not want your information collected and used by the companies we work with for OBA purposes, you can opt out of this form of OBA by following the instructions in the next section.
Text messaging originator opt-in data and consent are excluded from all behavioral advertising activity described in this section and are not provided to any advertising partner.
Opting Out of "Online Behavioral Advertising" (OBA)
There are two (2) ways that you can opt out of OBA from certain Veritas ads on third-party websites. One way is through the cross-industry Self-Regulatory Program for Online Behavioral Advertising (Opens Overlay) managed by the Digital Advertising Alliance (DAA). To opt out of OBA, please click on the following link and follow the instructions: http://youradchoices.com (Opens Overlay). Another way to opt out of OBA is by clicking on the Advertising Options Icon featured on certain Veritas ads on third-party websites. When clicked it (i) describes the collection and uses of data gathered at the relevant third-party website and (ii) provides a way for you to opt out of data collection and use by the third parties listed for the purposes of OBA. To learn more about online behavioral advertising or to opt-out of this type of advertising, please click on the following link: http://www.networkadvertising.org.
Linking to Third-Party Websites
Veritas may provide links to websites that are owned or operated by other companies ("third-party websites"). When you use a link online to visit a third-party website, you will be subject to that website’s privacy and security practices, which may differ from ours. You should familiarize yourself with the privacy policy, terms of use and security practices of the linked third-party website before providing any information on that website.
State Privacy Rights
Depending on your state of residence, you may have certain rights regarding your personal information. These rights may include the right to know or confirm whether we process your personal information, access the personal information we maintain about you, request correction of inaccurate personal information, request deletion of personal information, obtain a copy of your personal information in a portable format, and opt out of certain uses or disclosures of your personal information, including targeted advertising, the sale of personal information, or profiling in furtherance of decisions that produce legal or similarly significant effects.
We will honor applicable state privacy rights as required by law, subject to verification of your identity and any exceptions permitted by applicable law.
How to Submit a Privacy Request
You may submit a privacy request by contacting us at compliance@vfund.com or by calling 801.639.0900. We may need to verify your identity before fulfilling your request. If we deny your request, you may appeal our decision by contacting us using the same method and stating that you are appealing a privacy rights decision. We will respond to privacy requests and appeals within the time required by applicable law.
We will not discriminate against you for exercising privacy rights available to you under applicable law. This means we will not deny you goods or services, charge different prices or rates, provide a different level or quality of service, or suggest that you may receive a different price, rate, level, or quality of service because you exercised your privacy rights, except as permitted by law.
Retention
We retain personal information for as long as reasonably necessary to fulfill the purposes described in this Policy, provide our products and services, comply with legal and regulatory obligations, resolve disputes, maintain business records, and enforce our agreements. Retention periods may vary depending on the type of information, the nature of our relationship with you, and applicable legal or regulatory requirements.
Changes to this Online Privacy Policy
We may update this Online Privacy Policy from time to time. When we make material changes, we will provide notice as required by applicable law, such as by posting the updated policy on our website and updating the effective date. Your continued use of our online services after the updated policy becomes effective means you acknowledge the updated policy, to the extent permitted by law.
If you do not agree with these changes to how your information is used, do not continue to use this website.
We may log all activity on the website and we periodically review that activity to determine the use of the site and will report malicious and or inappropriate activity to the appropriate law enforcement authorities. We maintain physical, electronic, and procedural safeguards designed to protect your personal information. If you do not agree with any of these stipulations and policies of Veritas Funding, you shall discontinue use of this website.
By using our website, you acknowledge that you have had the opportunity to review this Privacy Policy. Where we are required to obtain your consent for a specific collection, use, or disclosure of personal information, we will do so separately as required by applicable law.
If you have any questions, concerns, or complaints about the integrity of your account information, or any other aspect of our business operations, please do not hesitate to contact us at:
VERITAS FUNDING
compliance@vfund.com
CONSUMER PRIVACY POLICY
FACTS | WHAT DOES VERITAS FUNDING DO WITH YOUR PERSONAL INFORMATION? |
Why? | Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do. |
What? | The types of personal information we collect and share depend on the product or service you have with us. This information can include:
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How? | All financial companies need to share customers' personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers' personal information; the reasons Veritas chooses to share; and whether you can limit this sharing. |
Reasons we can share your personal information | Does Veritas share? | Can you limit this sharing? |
For our everyday business purposes — such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus | Yes | No |
For our marketing purposes — to offer our products and services to you | No | We Don't Share |
For joint marketing with other financial companies | No | We Don't Share |
For our affiliates’ everyday business purposes — information about your transactions and experiences | No | We Don't Share |
For our affiliates’ everyday business purposes — information about your creditworthiness | No | We Don't Share |
For nonaffiliates to market to you | No | We Don't Share |
To limit our sharing |
Please note: |
Questions? | Call 801.639.0900 or go to www.vfund.com |
Who we are | |
Who is providing this notice? | Veritas Funding, LLC |
What we do | |
How does Veritas protect my personal information? | To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings. |
How does Veritas collect my personal information? | We collect your personal information, for example, when you
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Why can’t I limit all sharing? | Federal law gives you the right to limit only
State laws and individual companies may give you additional rights to limit sharing. |
What happens when I limit sharing for an account I hold jointly with someone else? | Your choices will apply to everyone on your account - unless you tell us otherwise |
Definitions | |
Affiliates | Companies related by common ownership or control. They can be financial and nonfinancial companies.
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Nonaffiliates | Companies not related by common ownership or control. They can be financial and nonfinancial companies.
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Joint marketing | A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
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Other important information | |
n/a |
Effective Date of Policy: 08/12/2026